What are the current top MYGA rates? A five-year lock and a two-year lock are different products, and a quarter point on a large premium is real money. The November 2026 snapshot below ranks the highest published guaranteed crediting rate at each standard term.
Local Life Agents runs MYGA illustrations on the same premium, state, and issue assumptions before a client funds. Several names at the top of a term this cycle are rated B+ or B++. Availability follows the state filing. Confirm the illustration before you apply.
Key Takeaways
- Highest lock. Wichita National Security 5 quotes 6.40% at $10,000. That is the top number on this sheet.
- Three-year. NexAnnuity NexVantage 3 quotes 6.25% once the premium clears $50,000.
- Seven-year. Aspida Synergy Choice 7 quotes 6.35% on the $100,000 band.
- Past five years. Six- through ten-year locks cluster from 6.25% to 6.35%. Extra years are a hold decision.
- Insurance contract. A MYGA credits tax-deferred growth and sits behind a state guaranty association. It is an insurance contract.
Current Top MYGA Rates by Term
We pulled the highest published guaranteed crediting rate at each standard term from carrier rate sheets checked November 5, 2026, then ranked issuers inside each term by yield and minimum. The summary is the snapshot. Each term section lists the next names on that sheet.
November 2026 MYGA Rate Comparison — Methodology
Local Life Agents built this comparison from carrier rate sheets and the guarantees our quoting platform returned on November 5, 2026. Each term table keeps the leading five contracts by guaranteed crediting rate, with the minimum premium printed on that sheet. Several leaders are rated B+ or B++. Filings move without notice. This page is educational.
- Data source
- Local Life Agents live quoting platform
- Carriers
- Carrier rate sheets (ratings vary)
- Date range
- November 5, 2026 (November 2026 publication)
- States
- All 50 states (product availability varies)
The table below ranks the top guaranteed rate at each standard term.
| Term | Top guaranteed rate | Example carrier / product |
|---|---|---|
| 1 year | 4.25% | ELCO Mutual — Guardian Eagle 1 Year ($10,000+) |
| 2 years | 5.25% | CL Life — CL Sundance 2 ($20,000+) |
| 3 years | 6.25% | NexAnnuity (Fortis) — NexVantage 3 ($50,000+) |
| 4 years | 5.90% | Oceanview — Harbourview 4 ($70,000+) |
| 5 years | 6.40% | Wichita National — Security 5 ($10,000+) |
| 6 years | 6.25% | Talcott — EverStead MYGA 6 High Band ($500,000+) |
| 7 years | 6.35% | Aspida — Synergy Choice 7 High Band ($100,000+) |
| 8 years | 6.30% | Talcott — EverStead MYGA 8 High Band ($500,000+) |
| 9 years | 6.30% | Talcott — EverStead MYGA 9 High Band ($500,000+) |
| 10 years | 6.35% | Revol One — BreakThrough 10yr / DirectGrowth 10 ($10,000+); Talcott EverStead 10 High Band at $500,000+ |
For the starting issuer in each shopping lane, see best MYGA companies.
What Affects MYGA Rates?
MYGA rates follow the guarantee period, the premium band, and the state of issue. Rank a carrier after those three match.
- Guarantee period — a longer lock sometimes credits more and sometimes credits less, depending on the curve that week.
- Premium size — many issuers publish separate bands, and the higher band can credit more.
- State of issue — the same product can file a different rate in another state.
- Interest-rate environment — Treasury and corporate bond yields show up in new MYGA filings over time.
- Carrier portfolio strategy — two issuers can split on the same term when one is gathering deposits.
1-Year MYGA Rates
One-year MYGAs on this sheet are a single contract. ELCO is the name. Bank certificates usually print a higher one-year quote.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| ELCO Mutual | Guardian Eagle 1 Year | $10,000+ | 4.25% |
2-Year MYGA Rates
Two-year MYGAs stepped up at CL Life. Oceanview, Axonic, and GBU sit behind that quote, and the split is the minimum.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| CL Life | CL Sundance 2 | $20,000+ | 5.25% |
| Oceanview Life | Harbourview 2 Mid Band | $70,000+ | 5.15% |
| Oceanview Life | Harbourview 2 High Band | $100,000+ | 5.15% |
| Axonic Insurance | Waypoint 2 MYGA High Band | $100,000+ | 5.15% |
| GBU Life | Asset Guard Select 2 Low Band | $25,000+ | 5.05% |
3-Year MYGA Rates
Three-year MYGA rates on this snapshot belong to NexAnnuity, and the minimum is $50,000. Revol One still opens at $10,000 a step lower.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| NexAnnuity (Fortis) | NexVantage 3 | $50,000+ | 6.25% |
| Revol One Financial | BreakThrough 3yr | $10,000+ | 6.10% |
| Revol One Financial | DirectGrowth 3 | $10,000+ | 6.10% |
| Wichita National | Security 3 | $10,000+ | 6.05% |
| Revol One Financial | BreakThrough 3yr (CA) | $10,000+ | 6.00% |
4-Year MYGA Rates
Four-year MYGA rates moved to Oceanview. Oxford and Clear Spring share the next rung, and Talcott needs a $500,000 band.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Oceanview Life | Harbourview 4 Mid Band | $70,000+ | 5.90% |
| Oceanview Life | Harbourview 4 High Band | $100,000+ | 5.90% |
| Oxford Life | Multi-Select 4 | $20,000+ | 5.80% |
| Clear Spring Life | Preserve MYGA 4 High Band | $100,000+ | 5.80% |
| Talcott Financial Group | EverStead MYGA 4 High Band | $500,000+ | 5.75% |
5-Year MYGA Rates
Five-year MYGA rates are the term most savers shop. Wichita still leads. Revol One is the next open-$10,000 quote.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Wichita National | Security 5 | $10,000+ | 6.40% |
| Revol One Financial | BreakThrough 5yr | $10,000+ | 6.35% |
| Revol One Financial | DirectGrowth 5 | $10,000+ | 6.35% |
| SBLI | ECAccumulate High Band | $100,000+ | 6.30% |
| Aspida | Synergy Choice 5 High Band | $100,000+ | 6.30% |
6-Year MYGA Rates
Six-year MYGA rates now sit with Talcott on the $500,000 band. The mid band and Oceanview follow. American Gulf is the $10,000 name we still run.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Talcott Financial Group | EverStead MYGA 6 High Band | $500,000+ | 6.25% |
| Talcott Financial Group | EverStead MYGA 6 Mid Band | $100,000+ | 6.15% |
| Oceanview Life | Harbourview 6 Mid Band | $70,000+ | 6.10% |
| Oceanview Life | Harbourview 6 High Band | $100,000+ | 6.10% |
| American Gulf | Anchor MYGA 6 | $10,000+ | 6.00% |
7-Year MYGA Rates
Seven-year MYGA rates moved to Aspida on the $100,000 band. Revol One, Talcott, and Wichita print the same yield a step down, and two of those open at $10,000.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Aspida | Synergy Choice 7 High Band | $100,000+ | 6.35% |
| Revol One Financial | BreakThrough 7yr | $10,000+ | 6.30% |
| Revol One Financial | DirectGrowth 7 | $10,000+ | 6.30% |
| Talcott Financial Group | EverStead MYGA 7 High Band | $500,000+ | 6.30% |
| Wichita National | Security 7 | $10,000+ | 6.30% |
8-Year MYGA Rates
Eight-year MYGA rates belong to Talcott's high band. The mid band is the next Talcott quote. Clear Spring and EquiTrust are the other names on this stretch of the sheet.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Talcott Financial Group | EverStead MYGA 8 High Band | $500,000+ | 6.30% |
| Talcott Financial Group | EverStead MYGA 8 Mid Band | $100,000+ | 6.20% |
| Clear Spring Life | Preserve MYGA 8 High Band | $100,000+ | 6.00% |
| Talcott Financial Group | EverStead MYGA 8 Low Band | $25,000+ | 5.95% |
| EquiTrust Life | Certainty Select 8 | $10,000+ | 5.85% |
9-Year MYGA Rates
Nine-year MYGA rates match Talcott's eight-year high band. The nine-year lock buys the same yield for one more year. Securian joins at the $500,000 band.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Talcott Financial Group | EverStead MYGA 9 High Band | $500,000+ | 6.30% |
| Talcott Financial Group | EverStead MYGA 9 Mid Band | $100,000+ | 6.20% |
| Clear Spring Life | Preserve MYGA 9 High Band | $100,000+ | 6.00% |
| Talcott Financial Group | EverStead MYGA 9 Low Band | $25,000+ | 5.95% |
| Securian Financial | SecureOption Choice 9 High Band | $500,000+ | 5.95% |
10-Year MYGA Rates
Ten-year MYGA rates are a three-way quote at the top. Revol One opens at $10,000. Talcott needs $500,000 for the same yield. Wichita's five-year still credits more for half the years.
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Revol One Financial | BreakThrough 10yr | $10,000+ | 6.35% |
| Revol One Financial | DirectGrowth 10 | $10,000+ | 6.35% |
| Talcott Financial Group | EverStead MYGA 10 High Band | $500,000+ | 6.35% |
| Wichita National | Security 10 | $10,000+ | 6.30% |
| Revol One Financial | BreakThrough 10yr with Enhanced Death Benefit Rider | $10,000+ | 6.25% |
Most contracts on this sheet restart surrender charges when the 30-day window after the guarantee closes unused. SBLI ECAccumulate, both Aspida Synergy Choice bands on this list, and Securian SecureOption Choice 9 are the rows without that flag. Plan the maturity date before you apply.
Send the term, the premium, and the state. We rerun the design and show where you land.
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MYGA Rates vs Bank CD Rates
From three years out, the MYGAs on this sheet pay more than the best nationally available CDs we check alongside them. At one year, the bank quote is usually higher. See annuities vs CDs for tax, FDIC, and exit rules, and the MYGA product guide for how the contract works.
Expert Tip: Ask how they treated last year's renewals
I don't lock a MYGA on the mailer rate alone. I ask how the carrier treated in-force contracts at the last rate-cycle turn. A carrier that preserves competitive renewals matters if you plan to roll at maturity instead of taking a lump sum. The day-one yield is the first chapter.
—Ryan Wood
Who MYGA Rates Are Not For
Skip a MYGA rate chase when you need more cash than the free-withdrawal amount before maturity, when you want index upside, or when you cannot judge carrier financial strength. Income that has to start within a year belongs on a SPIA payout quote. These tables answer a yield question.
Conclusion
Top MYGA rates are product-specific and time-sensitive. A captive agent shows one company's filing for your term. Local Life Agents shops the same guarantee period and premium across the carriers we can illustrate in your state, then shows surrender, free withdrawals, and renewal language next to the yield. You lock the contract that fits the hold. Return to the annuity rates hub or the annuities hub for product context.
FAQ
